Code

Dayton, OH · 2 · Charter #66840 · www.codecu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$174.7M
81th percentile
Members
13,127
84th percentile
Total loans
$101.6M
76th percentile
Total shares
$152.7M
83th percentile

Profitability

Return on assets
1.26%
65th percentile
Net interest margin
3.38%
34th percentile
Efficiency ratio
59.91%
59th percentile
Non-interest income ratio
26.28%
87th percentile

Capital & Risk

Net worth ratio
11.82%
44th percentile
Delinquency rate
0.83%
43th percentile
Net charge-off rate
1.13%
9th percentile
Loan-to-share
66.52%
47th percentile

Growth

Member growth YoY
-0.19%
55th percentile
Asset growth YoY
7.16%
77th percentile
Loan growth YoY
-0.27%
40th percentile
Share growth YoY
6.60%
75th percentile

Operations

Members / branch
3,282
54th percentile
Assets / member
$13,311
41th percentile
Field of membership penetration
40.00%
85th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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